Debt collector · complaint record
National Finance complaints
Filed under National Finance Company, Inc.
Consumers have filed 45 complaints about National Finance since 2016, 20 of them in the last 12 months (+82% on the year before). It answered 65% on time and closed 5% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 45
- Last 12 months
- 20
- Answered on time
- 65%
- Closed with relief
- 5%
- Last 30 days
- 0
- Rank
- #526 of 1,963
Since January 2016
+82% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 1, 2026
Most complained-about debt collectors
National Finance complaints by month
The busiest month was November 2025 (5 complaints). Complaints in the last 12 months are up 82% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How National Finance answered all time
- Closed with monetary relief12.2%
- Closed with non-monetary relief36.7%
- Closed with explanation4191.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What National Finance complaints are about
Top National Finance problems
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 4
- Sued you without properly notifying you of lawsuit 2
- Threatened to sue you for very old debt 1
Where National Finance complaints come from
Most complaints: North Carolina (42), South Carolina (1), Virginia (1), Alabama (1).
National Finance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | National FinanceDebt collection | - | 20 | - |
Compare side by side: National Finance vs Green Square · National Finance vs EMoneyUSA · National Finance vs Mullooly Jeffrey Rooney & Flynn · National Finance vs Credit World Services
What people say about National Finance
All experiencesNo experiences with National Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest National Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 1, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 30, 2026 | Credit reporting | Problem with fraud alerts or security freezes | Explained |
| Aug 25, 2026 | Payday & personal loans | Struggling to pay your loan | Money back |
| Aug 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 20, 2026 | Payday & personal loans | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 26, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 18, 2026 | Debt collection | Electronic communicationsUsed obscene, profane, or other abusive language | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 19, 2026 | Payday & personal loans | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about National Finance
How many complaints does National Finance have?
National Finance has 45 complaints on record since January 2016, including 20 in the last 12 months and 0 in the last 30 days. That makes it number 1,078 of every company by complaints this year.
Does National Finance respond to complaints?
Yes. National Finance answered 65% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix; 5% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with National Finance?
The most common problems are took or threatened to take negative or legal action (7), communication tactics (7), improper use of your report (6).
Is National Finance legit?
National Finance is a real company with a public complaint record: consumers have complained about it 45 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is National Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about National Finance going up or down?
Up. There were 20 complaints in the last 12 months against 11 in the 12 before (+82%). See every month.
How do I file a complaint against National Finance?
Complain to National Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most National Finance complaints come from?
Most come from North Carolina (42), South Carolina (1), Virginia (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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